About the company
United Insurance Company JSC (OSK) is one of the oldest insurers in Russia: it has been in the market since 1990 and is headquartered in Samara. Its main shareholder is the Insight investment group, a private direct investment company. Sales offices operate in 22 cities, including Samara, Moscow, St Petersburg, Yekaterinburg, Kazan, Nizhny Novgorod, Ufa, Perm and Tyumen.
OSK is a member of the All-Russian Insurance Association and the Russian Union of Motor Insurers; its business processes are ISO 9001-2015 certified. Bank of Russia licences SI, SL, OS (OSAGO) and PS No. 2346 were reissued on 18 March 2025. In 2022, at its own request, the company gave up its licences for OSOPO (hazardous facility liability) and OSGOP (carrier liability), so it does not offer these types of insurance.
Types of insurance offered
For individuals: OSAGO (compulsory motor third-party liability insurance), KASKO, apartment and house, accident insurance, medical insurance and travel insurance.
For corporate clients: property, vehicle fleets, cargo, construction risks, liability, aviation and marine risks, employee medical and accident insurance. OSK also offers facultative and obligatory reinsurance to other insurers.
Key figures
According to the Bank of Russia, in 2025 OSK collected RUB 3 billion in premiums and paid out RUB 1.8 billion, ranking 52nd in the market. In the first half of 2026 it collected RUB 1.6 billion and paid out RUB 1.1 billion (ranked 51st).
Expert RA financial strength rating: ruA, stable outlook (June 2026).
Contacts and claims
Contact centre: +7 (846) 212-99-55; email: info@osk-ins.ru. On the website you can choose your city, find an office, buy a policy online and submit a request; contracts and applications are available in the online account.
Under OSAGO, a claim for direct loss settlement is filed with your own insurer. An accident can be registered without the traffic police using the European accident report (europrotokol) if the damage does not exceed RUB 100,000, or up to RUB 400,000 if it is recorded via Gosuslugi Avto or the DTP.Europrotokol app. The steps are described in the Insurance claims section.
If you disagree with a claim decision, first send the insurer a written complaint. For individuals, disputes of up to RUB 500,000 (and OSAGO disputes regardless of the amount) must go to the Financial Ombudsman before court.